System and Method for Biometric Heartrate Authentication

2. The method of claim 1, wherein the server rejects the transaction as being fraudulent, wherein each exertion variance is associated with a change in heartrate over a corresponding baseline heartrate for a corresponding mode of transportation, wherein the plurality of heartrate monitoring devices include: (i) one or more smart watches, and (ii) one or more wearable fitness trackers.

3. The method of claim 2, wherein the activity profile of the first client comprises a plurality of location information related to a location of the first client during a corresponding plurality of time intervals.

4. The method of claim 3, wherein the mode of transportation includes walking, driving, biking, standing, running or a combination thereof.

8. The method of claim 7, wherein the token is provided by a card or a transmitting device, and wherein the token is presented to the transaction terminal by one of insertion of the card, swiping of the card, or by network communication with the transmitting device.

10. The system of claim 9, wherein each exertion variance is associated with a change in heartrate over a corresponding baseline heartrate for a corresponding mode of transportation, wherein the plurality of heartrate monitoring devices include: (i) one or more smart watches, and (ii) one or more wearable fitness trackers.

11. The system of claim 10, wherein the activity profile of the first client comprises a plurality of location information related to a location of the first client during a corresponding plurality of time intervals.

12. The system of claim 11, wherein the mode of transportation includes walking, driving, biking, standing, running or a combination thereof.

14. The medium of claim 13, wherein each exertion variance is associated with a change in heartrate over a corresponding baseline heartrate for a corresponding mode of transportation, wherein the plurality of heartrate monitoring devices include: (i) one or more smart watches, and (ii) one or more wearable fitness trackers.

15. The medium of claim 14, wherein the activity profile of the first client comprises a plurality of location information related to a location of the first client during a corresponding plurality of time intervals.

16. The medium of claim 15, wherein the mode of transportation includes walking, driving, biking, standing, running or a combination thereof.

17. The method of claim 1, wherein the ML model is trained to associate heartrate values with one or more of the plurality of modes of client transportation based on the training data.

18. The system of claim 9, wherein the ML model is trained to associate heartrate values with one or more of the plurality of modes of client transportation based on the training data.

19. The medium of claim 13, wherein the ML model is trained to associate heartrate values with one or more of the plurality of modes of client transportation based on the training data.